a pedestrian lying on the street after being hit by a car

Navigating Accident Claims as a Pedestrian or Cyclist

May 20, 2024

Accidents involving pedestrians and cyclists can be traumatic and life-altering, and can be notably more dangerous than vehicle accidents. Knowing how to navigate accident claims effectively is key to ensure you receive the compensation you deserve - but where to begin? This guide provides a comprehensive overview for those in the UK, focusing on your rights, the steps to take after an accident, and how to handle claims and insurance companies. Let’s dive in!

Your Rights as a Pedestrian or Cyclist

In the UK, pedestrians and cyclists are afforded significant protections under the law, meaning that if you’re involved in an accident - whether it’s with a vehicle or due to poorly maintained infrastructure - you have the right to seek compensation for your injuries and any associated losses.

Due to the increased chances of injury when you’re a pedestrian or cyclist, drivers found to be at fault are often held to a higher standard of responsibility. This means that proving negligence on the part of the driver can lead to successful claims for damages - but how do you go about this?

What to Do Immediately After an Accident

The moments following an accident are critical, and ensuring your safety and the safety of others should be your top priority. If possible, move to a safe location and check for injuries. It’s essential to contact emergency services if anyone is injured, even if injuries seem minor - some injuries may not be immediately apparent, so it’s wise to get a medical check-up just to be safe.

Once immediate concerns are addressed, collect as much information as possible; this includes the details of the vehicle involved, contact information of witnesses, and taking photographs of the scene. These pieces of evidence will be invaluable when filing your claim.

Common Injuries Sustained by Pedestrians and Cyclists

Pedestrians and cyclists often sustain serious injuries in accidents, with common injuries including fractures, head injuries, spinal injuries, and soft tissue damage. These injuries can lead to long-term health issues and significant financial burdens due to medical expenses and loss of income.

Head injuries, in particular, can have severe consequences, including traumatic brain injuries which might not be immediately evident. Spinal injuries can lead to partial or full paralysis, profoundly affecting your quality of life.

How to File an Accident Claim as a Pedestrian or Cyclist

Helmet next to bike on crosswalk after collision with car

Filing an accident claim as a pedestrian or cyclist involves several key steps:

Firstly, seek legal advice from a solicitor who specialises in personal injury claims; they can guide you through the process and help gather the necessary evidence to support your claim.

Next, make sure to document all medical treatments and keep records of any expenses related to the accident; this documentation will help establish the extent of your injuries and the financial impact of the accident. Your solicitor should be able to assist in submitting these documents to the relevant parties, ensuring your claim is comprehensive.

It’s also beneficial to keep a personal diary of your recovery process. This can include notes on your physical and emotional wellbeing, as well as any limitations or challenges you face as a result of the accident. Such personal accounts can strengthen your claim by providing a detailed picture of how the accident has affected your life.

Dealing with Insurance Companies

Navigating the complexities of dealing with insurance companies can be daunting, especially as insurance companies may attempt to minimise payouts. For this reason, it’s crucial to have experienced accident management services on your side. They can negotiate on your behalf, ensuring that you receive fair compensation.

When communicating with insurance companies, it’s also important to be honest and consistent with your statements. Avoid admitting fault or downplaying your injuries, as this can be used against you; if necessary, let your solicitor handle most of the interactions to avoid any pitfalls.

Compensation You Can Expect

Finally, the compensation you can expect from a pedestrian or cyclist accident claim varies based on the severity of your injuries and the impact on your life. Compensation can cover medical expenses, rehabilitation costs, loss of earnings, and damages for pain and suffering.

In some cases, you may also be entitled to compensation for future medical care and ongoing support if your injuries result in long-term or permanent disability. The goal of compensation is to restore your financial and personal well-being as much as possible to the state it was before the accident.

The Bottom Line

Navigating accident claims as a pedestrian or cyclist in the UK requires an understanding of your rights, the steps to take following an accident, and the process of dealing with insurance companies. By following the guidance provided and seeking professional legal assistance, you can ensure that you’re fairly compensated for your injuries and any resulting losses.

Remember, the key to a successful claim is thorough documentation and expert support. Don’t hesitate to reach out to accident management services for assistance with your claim. At RTA Claims, our expertise can make a significant difference in the outcome of your case, helping you move forward with confidence and security.